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Claim Representative I - Auto


Directly handle a technical claims caseload of a specific nature. Caseload typically comprised of files arising from a limited range of coverage’s and possessing up to moderate financial exposure The primary emphasis is on producing thorough, accurate and courteous claims determinations for our policyholders and claimants. Such claims infrequently involve substantive coverage issues or litigation. Reasonably conclude claims promptly and equitably within the provisions of the policy contract and in accordance with known damages and legal requirements. All files handled will comply with claim file handling guidelines and all other job expectations, regulations and requirements.


  • Conduct and coordinate investigations on all assigned claims.
  • Negotiate the settlement of claims within authorized amounts or specific file authority.
  • Maintain accountability for all assigned claims until disposition is reached.
  • Recommend further action on claims exceeding authority limits.
  • Document all activity on assigned claims and assure control of independent vendors.
  • Review new losses and files on diary to ensure reserve adequacy while keeping management informed of adverse developments.
  • Monitor loss adjustment expense and take steps to mitigate file expenses.
  • Utilize vendors judiciously to maximize value added.
  • Review coverage questions and work with supervisor and claim management for approval.
  • Refer appropriate coverage matters to the Claim Supervisor or Manager.
  • Ensure appropriate file handling, documentation, reporting and expense control of all files handled.
  • Provide accurate and timely information to all external and internal customers concerning claim status and other claim inquiries.
  • Provide service calls on policyholders and agencies as needed.
  • Attend trials, depositions, EUO’s, appraisals and mediations where deemed beneficial or required.
  • Improve processes within the department to increase the level and quality of service provided to internal and external customers, i.e. workflow changes, systems implementation, etc.
  • Participate in setting file direction and recommend appropriate reserves on claim files within specific authority and on files requiring mandatory reporting.
  • Coordinate and deliver technical training for agents, peers and clerical personnel upon request.
  • This position directly handles an assigned claim pending.
  • The Claim Representative may also be responsible for performing administrative functions.
  • Performs other duties or special projects as required or as assigned.


The Claim Supervisor provides direct moderate to minimal supervision.


  • Bachelor's degree in business, insurance or a related field, or its equivalent; two or more years of relevant claim technical experience; or a combination of education and experience from which comparable knowledge and skills are acquired.
  • Appropriate state Adjuster’s License(s) where required by law.
  • For field based positions, previous outside experience is preferred and valid driver’s license is required.
  • Sound knowledge of the technical aspects of property and/or casualty claims related to the core responsibilities assigned to the position.
  • Demonstrated commitment to professional development through continuing education related to the job such as AIC, AEI, INS, SCLA or CPCU programs, etc.
  • Developing skills in specialized technical disciplines; including working knowledge of relevant contract and tort law.
  • General understanding of the insurance industry and company operations.
  • Solid analytical, and negotiations skills.
  • Good verbal and written communication skills.
  • Ability to exercise sound judgment in dealing with professional and personnel situations.
  • Ability to work effectively with a wide range of outside firms and organizations.
  • Ability to deal effectively with company management peers and support staff.
  • Strong customer service orientation.
  • Proficiency with PC applications including Microsoft Office (Word, Excel & Outlook); Experience with imaging and estimating programs preferred.
  • Ability to perform job duties under stressful conditions


  • Typical office, field or residence based working environment.
  • For field based positions, regular outside automobile day travel of approximately 50% is expected.
  • For non-field positions, predominately sedentary office position with high frequency of keyboarding/computer work required.
  • Occasional overnight travel.
  • Potentially subject to adverse weather and stressful situations with respect to claim disputes.

How to Apply:

Submit cover letter, salary requirements and resume, in strict confidence.

Apply Online

If you have any questions, please call 800-451-5000

We are an equal opportunity employer and seek to recruit, develop, and retain a diverse and inclusive workforce. Applicants requiring accommodation in the application and/or interview process should contact the Human Resources Department at [email protected].

We offer a comprehensive and competitive benefits package for all of our employees:

Competitive Salary
Paid Time Off
401(k) Retirement Plan
Health Insurance
Dental Insurance
Vision Insurance

Life Insurance
Disability Insurance
Professional Development
Wellness Programs
Company-sponsored Events
...and more!

Vermont Mutual Employees Honor the Company's Leadership Team During the COVID-19 Crisis.

Questions? Please call us at 800-451-5000

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